The Student Room Group

Occupational Therapy (pre-reg) repayment

Im self funding my pre-reg course and some people had informed me that we don't need to repay student loans if we end up working as an occupational therapist (only the tuition fee doesn't need to be repayed)? Is this true, or does anyone have any more info on this?
Ive looked this up and theres nothing about it online, other than wales having a bursary if you work as an occupational therapist for 2 years or 18 months (in wales). Im from England, it doesnt seem to mention needing to study in wales and only needing to work there as an OT to be eligible for this - does anyone have any info on this aswell?

It would be a shame if I sacrificed my own money if the loans are able to be wiped or can be funded in a different way.
Original post by JuneBee
Im self funding my pre-reg course and some people had informed me that we don't need to repay student loans if we end up working as an occupational therapist (only the tuition fee doesn't need to be repayed)? Is this true, or does anyone have any more info on this?
Ive looked this up and theres nothing about it online, other than wales having a bursary if you work as an occupational therapist for 2 years or 18 months (in wales). Im from England, it doesnt seem to mention needing to study in wales and only needing to work there as an OT to be eligible for this - does anyone have any info on this aswell?

It would be a shame if I sacrificed my own money if the loans are able to be wiped or can be funded in a different way.


The NHS Wales Bursary pays your tuition fees but you have to study the course in Wales and then commit to working there for 2 years once qualified. There is no scheme for wiping the student loan in England (or elsewhere). If you study at a uni in England and are eligible for student finance, then you would be able to apply to the NHS Learning Support Fund for the annual training grant of £5k per year plus reimbursement of placement expenses, etc.

Why did you decide to self fund?

Reply 2

Original post by normaw
The NHS Wales Bursary pays your tuition fees but you have to study the course in Wales and then commit to working there for 2 years once qualified. There is no scheme for wiping the student loan in England (or elsewhere). If you study at a uni in England and are eligible for student finance, then you would be able to apply to the NHS Learning Support Fund for the annual training grant of £5k per year plus reimbursement of placement expenses, etc.
Why did you decide to self fund?

Honestly, im still debating if I should carry on self funding or take out a loan as I would be much more comfortable. I can afford to self fund, I calculated that the cost of my full 2 year course and travel would come to about 7.5k which is about 6 months worth of salary that I saved up that year. This is made possible due to having the 5k grant, 20 percent discount from the uni and 1k scholarship from the uni too. I wanted to avoid being placed on the new plan 5, if I could take the loan on to my plan 2 loan then I think I would have taken it. I didn't want to pay the extra 10 years which could be an extra 20k depending on my salary in 30 years - however I would be getting around 15k for this year from SFE and the NHS LSF grant. This could be the same for next year as well. I'm really trying to gather more opinions on this, as I should have the same amount of money in my account when I leave as when I first started the course (as I would be working part time on weekends). The only downside being that I can not earn more for the 2 years of this course. What do you think about this? For reference I have 18k in savings, and I have partly already paid this years installment. I also worked out that I would be paying around £20 more a month hence £200 more a year if I go onto plan 5, alongside the extra 10 years of payment - but of course this could be worth it for the amount I would have by the end of the course.
Thankyou for your reply aswell!

Reply 3

Original post by normaw
The NHS Wales Bursary pays your tuition fees but you have to study the course in Wales and then commit to working there for 2 years once qualified. There is no scheme for wiping the student loan in England (or elsewhere). If you study at a uni in England and are eligible for student finance, then you would be able to apply to the NHS Learning Support Fund for the annual training grant of £5k per year plus reimbursement of placement expenses, etc.
Why did you decide to self fund?

I will also be living with my parents for the 2 years, which is why I can afford to self fund. Its a stressful situation because on one hand I can be comfortable knowing ill have a lot more saving from loan but on the other hand I can sacrifice 6 months of work I did previously so that I don't pay slightly more and for 10 more years

Reply 4

Only you can do the maths. If you can afford without the student funding loan why take it? Suggest you discuss with your university finance team who can advise better. But two questions- have you started the course? Not sure you can apply retrospectively. Also can you get nhs bursary without student finance? The loans are really a graduate tax which as an OT you will never repay, so other than the extra 10 years you won’t pay more per month?

Reply 5

Original post by saju21
Only you can do the maths. If you can afford without the student funding loan why take it? Suggest you discuss with your university finance team who can advise better. But two questions- have you started the course? Not sure you can apply retrospectively. Also can you get nhs bursary without student finance? The loans are really a graduate tax which as an OT you will never repay, so other than the extra 10 years you won’t pay more per month?

I can afford it but I would have sum of money by the end of the course that I can use as savings, I would be working the entire 2 years part time but that would only allow me to maintain what I have right now. I already have to pay thousands towards student loan every year once I reach the thresholds. I would pay roughly 20 pounds more than I would on only my plan 2 loan bcos of the threshold change, and yes another 10 years. Also might very slightly affect mortgage rates bcos I will be paying more for longer.
I have started my course, but we have just finished the induction and we are starting next week with actual lessons. I know we can apply 9 months after the course has started but its just about if I receive the money in time. I have already paid for this term from my own pocket but this is what I either need to be cancelled before Jan or refunded if my loan is in place.

Reply 6

Original post by JuneBee
I can afford it but I would have sum of money by the end of the course that I can use as savings, I would be working the entire 2 years part time but that would only allow me to maintain what I have right now. I already have to pay thousands towards student loan every year once I reach the thresholds. I would pay roughly 20 pounds more than I would on only my plan 2 loan bcos of the threshold change, and yes another 10 years. Also might very slightly affect mortgage rates bcos I will be paying more for longer.
I have started my course, but we have just finished the induction and we are starting next week with actual lessons. I know we can apply 9 months after the course has started but its just about if I receive the money in time. I have already paid for this term from my own pocket but this is what I either need to be cancelled before Jan or refunded if my loan is in place.

And I think it is more beneficial to have money earlier on in life, yes I would be paying possibly 20k or 30k for an extra 10 years - but it could be worth not having to suffer with finances right now as I will probably have a much more well paying job 30 years down the line where I don't have to worry about a couple hundred pounds coming out of my check each month.

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